High Net Worth Life Insurance

Life Insurance for High Net Worth Individuals

Protecting Your Personal & Professional Assets with High Net Worth Life Insurance

Risks to your personal and professional goals grow alongside your available assets and capital. But roadblocks can be overcome by combining the advice of seasoned experts and leveraging high-net-worth life insurance. Secure the future of your businesses, your legacy assets, and your loved ones with direction from AEIS.


As part of the top 1% of all life/health agents in the exclusive Million Dollar Round Table (MDRT) and Top of the Table, we are ideally suited to assist you with all your high net worth life insurance needs.


Additionally, we are an approved California Minimum Continuing Legal Education (MCLE) provider to teach life insurance fundamentals.

Get Started
life insurance for top earners

Creating the Best Possible Outcomes For You

As your life insurance partner, our team will work with you to identify, assess, and manage the unique set of risks and problems that come with having a high-net-worth estate, ensuring your goals are met along the way to a secure future. Providing expert guidance and customized risk management solutions, learn more about our life & health insurance for high-net-worth individuals services below. 

Personalized Guidance Based on Your Needs

Just like life, our goals and problems may change over time. Whether it’s for estate taxes, estate liquidity, buy-sell and key person risk, or more, working with AEIS on your insurance will give you confidence that you have exactly what you need to remain covered. In an effort to increase clarity and transform stagnate plans, our fundamental process includes open collaboration with your other advisors and stakeholders to create the best possible outcomes for you.


Partnering with AEIS is much more than having an insurance agent. It means having unparalleled access to top notch insurance strategies, advocates, advisors, and third party partners dedicated solely to helping you and your company thrive. 

Get Started

Why Consider Life Insurance for Individuals with High Net Worth?

For business owners or individuals with a higher net worth, life insurance can be an invaluable tool. Here are a few of the most beneficial reasons our clients work with us on their policies:

Tax Laws Favor Life Insurance

If you are searching for ways to minimize estate taxes, a life insurance policy may be an appealing option. When designed correctly with an expert advisor like AEIS, these policies would not be counted as part of your estate, and thus are not taxed by the federal government. 

 Life Insurance Protects Business Owners

A life insurance policy can protect your business and employees if something were to happen to your key people or owners, helping keep your business afloat in times of crisis.

 Life Insurance Protects Your Legacy and Assets

Life insurance is one of the most efficient ways of carrying on your hard-earned legacy and assets for future generations to come.

The importance of policy reviews:

life insurance made easy

Life Insurance Made Easy

When it comes to your high net worth life insurance, specialized expertise in insurance and risk management are absolutely critical skills to ensure optimal results. AEIS delivers on both. 

Our trusted professionals will:


✓ Concierge Service

✓ Proprietary Underwriting Processes For Optimal Results

✓ Actively Manage Your Policy

✓ Identify Risks With Periodic Audits

✓ Continually Research New Solutions

✓ Provide You With Better Outcomes

✓ Assess Your Risks and Problems

✓ Protect Your Legacy and Lifestyle

A Buyer’s Guide to Life Insurance

Characteristics of Life Insurance Owners

Browse a few of the most popular plan offerings for high net worth individuals below. Be sure to read through the accompanying description to determine which may be best suited for your needs.

Whole Life

Permanent, predictable premium

People who buy tend to: 


  • Be conservative with insurance coverage
  • Want insurer to carry all risks of policy mechanics
  • Want guaranteed coverage for life
  • View the cash value buildup as very important 

Universal Life

Permanent insurance with flexibility

People who buy tend to: 


  • Be conservative with insurance coverage
  • Want guaranteed coverage at a price they know is fixed for life 
  • Focus on death benefit protection, not cash value accumulation
  • Want guaranteed coverage for life up to age 100, 105, or 120

Survivor's Insurance

Permanent insurance with flexibility

People who buy tend to: 


  • Want to use proceeds to pay estate taxes
  • Be conservative with insurance coverage
  • Want to leave a legacy to their children
  • Want the lowest illustrated premiums over a lifetime 

Term Insurance

Lowest short term cost

People who buy tend to: 


  • Want lowest cost insurance for a fixed period
  • Want short term coverage, 10-30 years
  • Want flexibility to potentially convert to a permanent policy or purchase a new one
  • Willing to medically requalify at the end of a period if no conversion

AEIS: Delivering Better Outcomes for High-Net-Worth Individuals

Ready to get started on securing your future? Contact the AEIS team today to schedule a discovery meeting and see how we can help.

Schedule an Appointment
quotes2Artboard 2
  • A white background with a few lines on it

    I want to let you know how very much I appreciate all the advice and excellent direction you've given us over the years. I know our account wasn't particularly profitable but you always treated us as though we were supremely important. It would have been much easier for you let us drift away but you always hung in there and went the extra mile, two, three or four.

     

    President, Event Production Company
  • A white background with a few lines on it

    Thank you for putting the Plan Document together for us!  It is a big accomplishment knowing that we are in compliance!   Once again we are grateful and thankful for your continuing support and enjoy the relationship that we share.

    Write your caption here
    Office Manager, Food Distribution Company
  • A white background with a few lines on it

    Thank you so much for generously supporting [us] and our AIDS walk team this year. It was a lovely foggy Sunday morning in Golden Gate Park, with thousands of folks walking to fight AIDS. It has been a pleasure working with you over the years. You have saved us LOTS of money! I want you to know how much we appreciate all that you do!

    Write your caption here
    San Francisco, Non-profit organization
  • A white background with a few lines on it

    You are absolutely the best! Thank you. p.s.  Others take note. You don't get service like this every day.

    Write your caption here
    Securities Broker in San Francisco, CA
  • A white background with a few lines on it

    I have joined the class that Ron invited me to regarding HR and FMLA, etc. Thank you for your ongoing support and assistance; it is a pleasure doing business with you.

    Write your caption here
    Preschool Director
  • A white background with a few lines on it

    I just want to let you know that YOU ARE AWESOME. You’re always on top of things and answer questions promptly and in detail. I love working with you.

    Write your caption here
    Office Operations Administrator, IT Consulting Firm
  • A white background with a few lines on it

    Switching over to AEIS Advisors was the best decision we’ve made this year. Ronald and his team were able to identify discrepancies on our billing statements which got missed by our last broker, and they saved us over $8,000 in credits! AEIS has proven to be an attentive and caring company, looking out for the best needs of their clients.

    Write your caption here
    Director of Operations
  • A white background with a few lines on it

    I absolutely love working with you, Ron, and the entire gang! Just wanted to pass this on - and again thank you for all you do for us!

    Write your caption here
    Office Manager, Surgical Center in San Francisco

Recent Posts

A group of people are sitting around a table having a meeting.

Unlocking the Power of PEOs for Your Small to Mid-Size Business

February 11, 2025
Discover how Professional Employer Organizations (PEOs) can help small to mid-size businesses streamline HR, reduce costs, and improve employee benefits.
A laptop computer is sitting on a wooden table.

Types of Employee Benefits: A Comprehensive Breakdown

February 10, 2025
Explore the different types of employee benefits, from health insurance to retirement plans, and how they enhance workplace satisfaction and retention.
A woman is sitting at a desk using a laptop computer and a calculator.

Ways to Reduce The Cost of Employee Benefits

February 7, 2025
Learn effective strategies to reduce the cost of employee benefits while maintaining quality coverage, ensuring both employer and employee satisfaction.
Show More
Share by: